Professional Documents
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INVESTMENT-LINKED
INSURANCE
PRUmy child
Your hope for your child begins even before
birth. Let PRUmy child protect this hope of
yours, from the very beginning.
A New Life
It is a magical moment to know you are pregnant.
You are filled with joy and excitement. But sometimes, you are overwhelmed with anxiety
because you have a new life in you.
Relax and get plenty of rest... because the tiny miracle that is now part of you will provide
you with many wonderful life changing experiences.
A New Hope
Congratulations! You have entered into your 2nd trimester.
Are you curious to find out if it's a baby boy or baby girl? Or maybe twins?
As a parent-to-be, it is natural for you to have hopes and dreams for your child. Even before
he or she is born, hope is there - hope that he or she will always be happy, safe and healthy.
This hope is precious and worth protecting from the start.
At Prudential, we can help you secure your hopes and dreams for your child through a
comprehensive protection plan with PRUmy child, as early as 18 weeks into pregnancy.
A Promise that starts even before your child is born, with PRUmy child
The greatest love of all is the unconditional love parents hold for their child. Besides providing
for their basic needs, you also want to take care of them and deliver your promises.
While you hope that everything will be perfect for your baby, there are things beyond your
control. PRUmy child gives you peace of mind with complete protection for your child,
even before birth.
Aiming to give you peace of mind, the new Infant Care* benefit under PRUmy child
provides protection during the crucial prenatal, neonatal and post-natal periods.
* Optional benefit subject to underwriting and additional premiums for 2 years and purchased within 18 35
gestational week.
Print your new born baby hand and foot print here.
PRUmy child
PRUmy child
promise...
Gives you control and flexibility to design a complete plan for your child.
Option to attach Infant Care*rider to enhance your babys protection from 18 weeks
of your pregnancy up to your child reaching 2 years old.
Build your childs education fund with optional PRUedusaver and PRUsaver kid riders.
Covers Neonatal Jaundice that requires phototherapy treatment within the first
60 days from the birth of your child.
Covers admission into Intensive Care Unit/ High Dependency Unit within the first
year from the birth of your child, whether due to premature birth or birth trauma, for
up to 60 days.
Covers incubation of the baby during the first 60 days after the birth of your child.
*Optional benefit subject to underwriting and additional premiums for 2 years and purchased within 18 35 gestational
weeks.
What is payable:
to your child:
Juvenile Lien: In the event of death, critical illness or TPD before age 5 next birthday (n.b), the proportion of the basic
sum assured paid is at age 1 n.b.: 20%, age 2 n.b.: 40%, age 3 n.b.:60%, age 4 n.b. :80%, age 5 n.b.:100%
continue...
Accidental benefits
Payor benefits
Savings
PRUsaver kid
RM120
PRUedusaver
RM600 (subject to maximum of 5 times the premium of the basic PRUmy child plan)
Note: You can only choose either PRUsaver kid or PRUedusaver at point of purchase. Please refer to the sales
illustration for the premium allocation rate.
Premium is payable throughout the whole policy term until the expiry of the policy. Upon
expiry of any optional benefits, the premiums will be reduced accordingly. Premiums can be
paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.
Important Notes
> You should assess the affordability and suitability of the product (including optional
benefits) in relation to your financial goals and risk appetite. To achieve this, we
recommend you speak to your agent or Wealth Planner who will perform a needs
analysis and assist you to make an informed decision.
> Coverage to expiry age is subject to sufficient unit deductions for insurance charges,
service charges, guarantee charges (if any) and administration charges (if any).
> Ownership of the policy shall automatically be transferred to the child once he/she is
25 years old.
> If you cancel the policy in the early years, you may not be able to obtain the full value
from the amount you have paid. Upon surrender, the various benefits under this plan
will not be applicable.
> There is a free-look period of 15 days after the delivery of your policy to allow you to
review if it meets your needs. If the policy is cancelled within this period, the value of
units (at next pricing date) plus the unallocated premiums, service charge, insurance
charge, guarantee charge (if any) and administration charge (if any), less medical
expenses will be refunded. Additionally, if top-ups are done, 5% of the unallocated
premium less medical expenses will be refunded. Top-ups do not incur any insurance
charge.
> This leaflet is for illustrative purposes only. You are advised to refer to the Prudential
Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer
to the terms and conditions in the policy document for details of the important
features of the plan.
> Non-payment of premiums may cause this policy to lapse. Should you stop paying
premiums, the policy may continue for as long as there are sufficient units in the
respective accounts. Therefore, depending on the amount of units available in these
selected accounts, benefits of the plan may lapse and cease to be in force at different
points of time.
> This leaflet is to be used in conjunction with the PRUlink and PRUlink education (if
applicable) Fund Fact Sheet; and the PRUlink and PRUlink education (if applicable)
Investment-Linked Policy Disclosures booklet.
> Prudential
Appendix
Trachea
Lung
Heart
Liver
Kidneys
Large,
Small Intestine
Infantile Hydrocephalus
Cerebral
Cerebral Palsy
Cerebral
Spina Bifida
Cerebral
Congenital Cataract
EENT
Congenital Deafness
EENT
EENT
Cardiac
Tetralogy of Fallot
Cardiac
Cardiac
Cardiac
Cardiac
Oesophageal Atresia
Gastrointestinal
Trachea-oesophageal Fistula
Gastrointestinal
Gastrointestinal
PRUmy child
Pregnancy Complications
Eclampsia, Abruptio Placentae,
or Amniotic Fluid Embolism
Death of Foetus*
Death of Mother
Infant Care
benefits at a glance
RM300 daily
(max 60 days)
RM500 daily
(max 60 days)
Incubation of
the new born child
RM100 daily
RM200 daily
Reimbursement of
hospitalisation
claims up to
RM15,000 annually
(up to age 2)
Reimbursement of
hospitalisation
claims up to
RM30,000 annually
(up to age 2)
Death of Child*
Hospitalisation of Child
due to 15 covered
Congenital Conditions
* Amount payable in addition to PRUmy childs death benefit of total premiums paid minus any withdrawals from
value of units, or total value of units in policy, whichever is higher.
www.prudential.com.my
07/2013